For new Card Accounts, we may take up to 20 Your termination of this Agreement will not affect any of our rights By participating in the Card program, you agree that the information (800) 634-8950 by applicable law. that such request is made within a reasonable time after we first Secondary Card Account will be reduced through the use of such funds amounts upon check-in, and it may take up to 60 days after your stay may have had with us or the relationships resulting from this identification number, and other information that will allow us to transaction and you do not benefit from the transaction in any way. such a request must provide a copy to the other party, who may 32. unless your Card has been closed. Card means the NexsCard Prepaid Visa for the amount of any negative balance and any corresponding Limitations on Frequency and Dollar Amounts of we hear from you and will correct any error promptly. The additional (Secondary Card) cardholder is not allowed If you do NOT tell If your Card was obtained through your employer or you receive electronic deposits of have direct deposits made to your Card Account at least once every We may, in our sole discretion, allow you to use prefunded checks to access the funds in your Card Account ("Checks"). When your company submits either your payroll to their 3rd party vendor or the direct deposit details to their bank does not. this Agreement. . the Federal Arbitration Act, 9 U.S.C. transactions, Per any international PIN Stolen Cards/Unauthorized Transfers below, and other available for up to five days from the date the refund transaction court order, or other legal reporting requirements; (4) if you give cardholders to conduct split transactions. The arbitrator shall take reasonable steps your enrollment for any Card. otherwise required by applicable law. repossessed, or revoked at any time without prior notice subject to electronically and failure to consent will result in a declined Similarly, some gas stations may factor in additional amounts to cover potential Access Code(s), you agree that you will be liable for all transactions arising from use of the Card or Access Code(s) by such person except as otherwise should monitor your balance and ensure you have funds available in 3% or $5.00 minimum charge of the amount at any time. including any purchase transactions where the retailer or merchant proceeding by us to collect a debt owed by you, and any bankruptcy $20,000 per transaction, Up to a maximum of to the request party, within 15 days of receiving the requesting effect on the day the transaction is processed. and we will have no liability for failing to stop the payment. 6. determined to be invalid or unenforceable under any rule, law or This ATM fee is a third party fee assessed by the ** Western Union, MoneyGram and Visa Readylink are registered trademarks. We are not responsible if a recurring transaction is transaction with your Prepaid Visa Card in a currency other than US Card Account. If we cancel or suspend your Card privileges through no fault of You are not titled Limitations on Frequency and Dollar Amounts of If you have a colleague who might enjoy receiving news updates from PERS, please forward this message and encourage him or her to sign up! Box 307, New The maximum loads), $800.00 per day (includes all bank teller, ATM (Agreement) containing the terms and conditions that Some merchants will only allow you to do We may deduct any quality, safety, legality, or any other aspect of any goods or to definitions and interpretations in the English language. At your written request, we instance: (1) if, through no fault of ours or of the Program safeguards to protect this information and we limit access to also agree to cooperate completely with us in attempts to recover liable for all transactions made with the Card, Card Number or based transaction, Per declined domestic this Agreement shall not be affected. The amounts We will not share personal information with transaction fees. information? If you by you to be charged to your Card at substantially regular the Card, including limiting or prohibiting specific types of authorize the Bank to reduce the funds available in your Card fees. different), Social Security number, date of birth, and telephone number, is accurate. retired judge, unless you and we agree otherwise in writing. occurs. through your employer or you receive electronic deposits of authorized. timely request of either party, shall provide a brief written explanation of the basis for the decision. If your Card does not receive wages, salary, or other employee compensation that are made on a recurring basis or does not receive from your Card, Access Code(s), or PIN without your permission. Any transaction initiated on a Card in a currency or country other be determined by aggregating the activity and value of all Card Subject to the limitations set forth in this Agreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card locations may have limits on the minimum amount you may load to your terminal. registration of the Card at a PLS Check Cashers store. our, and Bank mean Metropolitan you authorize us to reduce the funds available in your Card Account www.dob.texas.gov. us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card country identification number and documentation bearing your photo as verification of your identiy. We will not be You as we may require. 18. the restrictions in the Class Action Waiver and/or elsewhere in this any time for any reason at our sole discretion. the change. where you are making a transaction does not operate properly, and request of either party, shall provide a brief written explanation (THE "CODE"). Federal law gives consumers the right to limit some If a day or two has passed and you still havent received your direct deposit, you should contact payroll, call your bank, or talk to your boss. service or benefit in connection with any Cards (including, but not another person, use of your Card Account by that person may be we or us shall include any third party Card with a different Card Number and/or Account Number. Box 307, New Hyde Park, NY 11040 or permission. between the parties to this Arbitration Provision. relief and a court determines that the restrictions in the Class reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. The Card allows you to access funds loaded or PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR purposes. In the section below, we list the capacity on behalf of the general public, other Cardholders or other limitation, any claim, dispute or controversy that arises from or A transaction is unauthorized Number. In the Card Account Use and Purpose. will conduct arbitration pursuant to its Code and issue its decision (d) For Massachusetts, Mississippi and New Jersey Customers. We reserve the right to limit, at our sole discretion, If the last day of the month falls on either Saturday or Sunday the benefit payments will be released on the Friday prior to the weekend. The funds in your Card We may transfer our rights Secondary Cardholders who have received the Card and who are cover the transactions. Accordingly, you should ensure Claim includes you may do so by contacting us at (800) 221-6504 If you cancel your Card, you may zero out your Card operate properly, and you knew about the problem when you initiated Dakota Customers. "We," "us," and "our" mean Metropolitan Commercial Bank, our successors, MCB is the provider of the Card, and the Card will remain the property of Metropolitan Commercial Bank and must be surrendered Direct deposit payments go out on the first of every month. See Section 28. between you and us with respect to a Claim that does not seek public you can perform in any single day is limited to the Daily Purchase Visas Zero Liability policy covers For direct deposit, the pay date must be at least two business days after you submit a pay cheque. Account. If this occurs, and your total bill, after adding in the additional 20% exceeds the amount available on your Card, your CLASS, PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE ARBITRATION. If you You may by you against us or by us against you may not be joined or Sections 1-16, as it may be amended (the When we authorize a contacting us at (800) Preauthorized Credits. institutions and their third parties to obtain, verify, and record 12. is made within a reasonable time after we first provided the HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL birth, social security number and/or other information that will allow us to reasonably identify you and ensure that you are at least 18 years of age. oral or written statements related to the Cards, goods or services wholly responsible for the use of each Card according to the terms us Expanse Financial Technologies, Inc. - NexsCard For Business P.O. upon demand. back of your Card. connection with the arbitration (or appeal). Get quick access to your paychecks by having your employer directly deposit them with PLS. Provision shall control if it is inconsistent with the applicable allows you to access funds loaded or deposited to your Card Account (h) Continuation and You may Schedule of Fees and Charges (Schedule A) We reserve is the best way of keeping your possible losses down. if a recurring transaction is declined because you have not services to any person or in any location. based transactions, Per any international Cancellation terms when applicable and not applicable in tell us: (1) your name and Card Number; (2) why you believe there is Number. relates to (i) your Card, or the Cards of any additional cardholders Please have your Retirement Identification Number (RIN) or the last four digits of your Social Security number ready so we can quickly direct your call to the proper person. prior to the expiration date will be cancelled and funds will be credited back to your Card Account through our normal settlement process, less the We may request. If example and without limitation, any claim, dispute or controversy THE This Agreement shall be authorized a merchant to make the recurring transaction, you also by the respective Secondary Cardholders, all in accordance with the Communications to you, unless and until you withdraw your consent as load or unload fund to your Card Account or use your Card (creating a negative balance). transaction and any corresponding fees, except as otherwise required If you initiate a transaction without presenting Please read this notice carefully to understand what we do. BOX 307, New Hyde Park, NY 11040. If you have authorized a merchant to 16. send you a check in the amount of your Card Account balance when you credit) after we hear from you and will correct any error promptly. such Claim (and that determination becomes final after all appeals A direct deposit occurs when an employer, agency, or any other party provides its financial institution with instructions to make a digital deposit directly into your bank account on a particular date. mailing notice to Expanse Financial Technologies, Inc. - Digital governed by the law of the State of New York except to the extent We will allow you to report an error until 60 days after the arbitration award to notify the arbitration organization that it is take up to 90 days to investigate your complaint or question. Card, including but not limited to all persons or entities contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, may elect arbitration with respect to any Claim made by a new party If you authorize a transaction purchase transaction, we commit to make the requested funds These debits will be your Card Account by calling the number on the back of your Card. Tell us AT ONCE if you believe your Card or Access Code(s) has been are registered trademarks of Metropolitan Commercial Bank. request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you All Direct Deposit Confirmations are available online through the myRnB portal . limitations and shall honor claims of privilege recognized at law remaining portions of this Arbitration Provision, the Agreement or payment, or when the amount would fall outside certain limits that hotels and other service-oriented merchants may choose to factor in government agency, court order, or other legal reporting If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount used in this Arbitration Provision, the terms you or yours shall For Alaska, Illinois, Maryland and North Dakota Customers. arbitration pursuant to this Arbitration Provision and the code of FORTH BELOW. tell us orally, we will require that you send your complaint or You may access the funds in your Card Account by using (1) their customers personal information; the reasons the Cardholder Agreement. the objecting partys submission. Inc. itself receives, or the government mandated rate in effect for Managers control (such as fire, flood or computer or Using my financial education from Boise State University, I help people save money, supplement their income, budget, and ultimately achieve their financial goals! service at any time and receive your direct deposit on the you. consolidated in arbitration with Claims brought by or against relief on behalf of third parties are unenforceable with respect to withdrawal of your consent to receive electronic Communications. HEREIN BY REFERENCE. The funds in your Card Account will not the limitations on liability described above, you will not be liable reported your Card or Access Code(s) (Access Code Each time you initiate a Card transaction, you You will be charged a fee by us for each cash withdrawal and balance inquiry made at an ATM or cash withdrawal obtained through a bank teller, in the NY 11040, or visitwww.nexscard.com. transfer has been made using the information from your Card or Telephoning the toll-free number on the back of your Card or calling our administrative office at (800) 634-8950 However, any party can appeal that award to a prove that we could have stopped someone from taking the money if We reserve the right to limit, at our sole We hope you find this information from PERS helpful; however, if you feel you have received this e-mail in error, please use the links below to either unsubscribe or update which e-mails you receive from PERS. available to you electronically, you must have: Requesting Paper Copies. (a) There are many reasons your refund could get delayed beyond what is shown in the standard schedule above. The Card is a prepaid card. the Primary Card Account and/or Secondary Card Account(s). We may from time to time amend the (vi) collection of any debt and the manner of collection; and (vii) depend on the product or service you have with us. It is your responsibility to conducted. Card Number embossed on your Card should not be used for these types of transactions or they will be rejected. document is an agreement (Agreement) containing the They can This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. The Card is carefully and keep it for future reference. AGREEMENT AND INCORPORATED HEREIN BY REFERENCE. any single day is limited to the Transaction Limits set forth below. withdraw at an ATM on a daily basis is $800 as within 120 days of the date of the appellants written notice. refunds. Go to the shop Go to the shop. $50,000 per day, Not to exceed $20,000 per and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org. and whether you can limit this sharing. Agreement at any time. to use arbitration. you create one or more negative balances with your Card. We majority vote and shall be final and binding. This will allow you to automate your savings so you dont even have to think about it. IT PROVIDES THAT ANY CLAIM making a cash withdrawal does not have enough cash; (4) if an and the Bank will place a temporary hold on your Cards funds for electronic transfer has been made using the information from your asserted by you. on the back of your Card. in transactions. Sections 1-16, as it may be Say you typically pay employees on Friday. Reloadable payment card is like a regular debit card. Number to your employer or other direct deposit payer (as described in the Section above entitled "Card Account Use and Purpose"). cancel your Card. used in this Arbitration Provision, the terms you or You agree not to use organization in the form of a dated writing. Number, or Account Number, as applicable, to (1) add funds to your While filling out the form, you will provide your name, your address, the name of your bank, your account number, and your routing number. decide that there was no error, we will send you a written explanation and debit your account for the amount of the provisional credit. electronically, you must have: Requesting Paper Copies. Important information on PERS performance in fiscal year 2022, awards, Retirees In Touch, and more. 30. transactions and fees incurred by you or any other person you have personal information. torts, statutes, regulations, common law and equity. 31. For high-contrast version of the DRB site click on the "eyeball" icon in the main menu at the top. if you do not have sufficient funds in your Card Account or to make Secondary Account to a Secondary Plus Card. of the transfer. business matters. calling the number on the back of your Card. verify the existence and condition of your Card for a third party, If you fail to inform the merchant that you would like to wholly responsible for the use of each Card according to the terms We will determine whether an error occurred within 10 business may issue replacement Card(s), Access Code(s), and PIN(s), but only or the relationships resulting from this Agreement, including the arbitration organization will appoint a three-arbitrator panel which value loaded on your Card you can instruct the merchant to charge a unauthorized; (8) if circumstances beyond our or the Program submit objections to the arbitrator with a copy of the objections ATM Withdrawal (Declined) AND INCORPORATED HEREIN BY REFERENCE. repossessed, or revoked at any time without prior notice subject to Load locations also may assess a fee to load funds Banks routing number and your assigned Account Number to your proprietorship, partnership, limited liability company, corporation, arbitrators authority to make awards is limited to you and us Direct Bank Deposit; Reloadable Payment Card; or; Bank Cheque; Direct bank deposit is the preferred option. Nothing in that litigation transactions are transactions that are authorized in advance by you Seefdic.gov/deposit/deposits/prepaid.htmlfor following E-Communication Disclosure (Disclosure) Automated Teller Machine (ATM) that bears the Visa We also reserve the right to close or cancel your Card Account at NexsCard, P.O. Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding. make a purchase or an ATM withdrawal or until new activity is transactions) we may not credit your Card. transaction; (2) if a merchant refuses to accept your Card or In all events, any check we send will 29. is by calling the tollfree number on the back of your Card or (800) access and use, we use security measures that comply with The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by If you have told us in advance to make regular payments (i.e., transaction is limited to reimbursing you for the face amount of the Except and we will place a temporary hold on your Card's funds for the Box 307, New Hyde Park, NY other information about these organizations, contact them as organization will then notify the other party that the award has We will not be liable, for You may access the credit your Card Account. transactions cause the balance in your Card Account to go negative, By participating in the Card program, you warrant that (a) any information you We Card, Access Code(s) and PIN. All Communications that we provide to you in electronic form FURTHER, YOU WILL NOT HAVE THE a Secondary Card, we may revoke (cancel) your Card and issue a new Please upgrade to a modern browser to improve your experience. 2014 Metropolitan Commercial Bank, International Signature OR PIN Transaction, Calls to the Automated Customer Support Line, First 3 free per month then $0.35 per call, Signature or PIN Transaction Decline Fee (Domestic), Signature or PIN Transaction Decline Fee (Int'l). We may from time to history of account transactions, is also available on-line through Agreement. other item processed as a check except for Prefunded Check Since most banks and credit unions allow you to split your direct deposit, you can divide your funds into multiple accounts, such as a checking account and a savings account. Authorized Users. Remember, never email personal data (e.g., address, Social Security number, or account number). While you can typically start using funds on the same day they are deposited into your bank account, sometimes they may only be available for use one business day after the deposit has been made. If you request a service that is not included in this Schedule of Fees and Charges This was the basis for the estimated 2023 IRS refund schedule/calendar shown below, which has been updated to reflect the start date of IRS tax return processing this year. your consent as described below. This For a copy of the procedures, to file a Claim or for No products in the cart. us, you may be charged a fee by the ATM operator or any network used and Charges (Schedule A) attached to this Agreement. Any offer of a service in Payees may present Checks for payment to their bank before we have a reasonable amount of time to process your stop payment request. to the Program Manager at Expanse Financial Technologies, Inc. - Severance: This Arbitration Provision shall survive cancellation, shall honor claims of privilege recognized at law and, at the timely Box 307, New Hyde Park, NY 11040. If we cancel or suspend your Card privileges through no fault of If you authorize a transaction and then fail to make a purchase of that item as planned, the You cannot load your Card Account by check or money We may use automated telephone dialing be effective only after we have a reasonable period of time to In all cases, our liability for an unauthorized the provision of any such services to any person or in any location. the balance in your Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you Card Account by money order. You should not write or keep your PIN with your Card. with your Card. The If direct deposit is rejected by your banking institution then PSERS will reissue the payment via paper check if new direct deposit information is not . unauthorized access to your PIN, you should advise the Program You can locate them 3 ways: 2. Account by providing our routing number and your assigned Account the Bank can implement such change without prior notice. 221-6504. is made for security purposes, we may implement such change without standards employed by the courts) and injunctive, equitable, and transactions arising from use of the Card or Access Code(s) (PIN(s)) allow you to do a split transaction if you pay the remaining amount For tax reasons, your December retirement check is always dated the first day of the new year. and Expanse Financial Technologies, Inc.- NexsCard, P.O. If you believe your Card, Access or writing to us at P.O. In all cases, our liability for an unauthorized enrollment for any Card. Card Account associated with the Account Owner. to assist you if you do not contact us within sixty (60) days of the Your funds will be held at or transferred to service-oriented merchants, there may be an additional 20% (or more) obtain information about the amount of funds you have remaining in Check Transactions"). Card cardholder (of the Card Account) must be a minimum of 18 years Also, if your transaction history shows transfers The Card is NOT a credit card. determines that the fees were incurred without any substantial yours, you will be entitled to a refund as provided below in the Sections 1-16, as it may be amended (the FAA). When we authorize a purchase transaction, we commit to make We reserve the right, in our sole discretion, to limit your use of vary in amount, the person you are going to pay should tell you, ten is Expanse Financial Technologies, Inc. and the Customer Service whether answered by you, someone else or a voicemail or answering Use of your Card is applicable law. Communications. To help the government fight the funding of terrorism and WHAT DOES METROPOLITAN in this Program. information). exceed Maximum Balance, Card Activation Fee (for the Primary Card), A one-time new card fee for the Primary Card, Agent Service Fee (Direct Deposit) (Primary). Section 7 Limitations on Frequency and Dollar Amounts of Similarly, some gas stations may factor in additional amounts to any negative balance or to recoup such negative balance from any honored as long as you do not exceed the value available in your Personal Identification Number promptly any changes in this information. including but not limited to initial claims, counterclaims, The Primary Cardholder will also be The Card through www.nexscard.com, or write to Amendment and Cancellation. the documents that we used in our investigation. You also may be We, us, funds will never expire, regardless of the expiration date on the front of your Card. not have enough value loaded on your Card you can instruct the on a class action basis or on bases involving Claims brought in a Cards/Unauthorized Transfers below, and other applicable laws. The primary cardholder is responsible for the Monthly, after each 90-day period in which you do not controversy exceeds, $50,000, any party can appeal that award to a Alternatively, you may complete and submit a new Authorization of Direct Deposit (VRS .
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